I just opened a personal account with the expired code RM4. I received 40k points and only had to deposit $50 and set up direct deposit! I went into to the branch and just told the rep to try this code and it worked. I was a little shocked. I'm not sure if it would work for anyone else, but if you are setting up an account anyways, throw this code at them first.

Good luck.

I wrote in more detail here.